CreditCardGuru
travelrewards

Desjardins® Odyssey® Gold Visa® review

3.7Rated by the CreditCardGuru Editorial Team

The Odyssey Gold Visa is essentially a travel insurance policy with a rewards card attached; its 60-day coverage outclasses most premium cards, even if the earning rates are modest.

At a glance

Annual fee
$110
Foreign tx fee
2.5%
Network
VISA
Rewards
points
Purchase APR
20.9%

Rewards & earn rates

Restaurants2% in BONUSDOLLARS on the first $6,000 in annual restaurant purchases, then 0.65%2x
Entertainment2x
Alternative transportation2x
Pre-authorized payments2% on the first $6,000 in annual pre-authorized payments, then 0.65%2x
Travel2% on the first $15,000 in annual travel purchases, then 0.65%2x
All other purchases0.65x

Pros & cons

Pros

  • Excellent 60-day comprehensive travel insurance, rare at this fee level
  • 2% earn across dining, entertainment, transit, travel and recurring bills

Cons

  • Weak 0.65% base earn rate
  • BONUSDOLLARS are only redeemable within the Desjardins ecosystem

Perks & insurance

Key perks

  • Comprehensive travel insurance for trips up to 60 consecutive days
  • 50% off entry to the Desjardins Odyssey Lounge at Montreal-Trudeau airport
  • Car rental discounts at Hertz (up to 25%), Thrifty and Dollar
  • Mobile device insurance up to $1,000
  • Intergenerational travel coverage for grandchildren travelling with you

Insurance

  • Travel emergency medical up to $5M per person (up to 60 days, age-dependent)
  • Trip cancellation ($2,500 before departure, unlimited after departure)
  • Baggage insurance up to $1,000 per person
  • Auto rental collision/loss damage (up to 48 days)
  • Mobile device insurance up to $1,000
  • Purchase protection (90 days) and extended warranty (+1 year)

Rates & fees

Annual fee
$110
Purchase interest
20.9%
Cash advance
21.9%
Foreign transactions
2.5%
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

Similar cards to consider

Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

C

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

  • 200+ Canadian cards tracked
  • Transparent rating methodology
  • Updated continuously

Cite this page

“Desjardins® Odyssey® Gold Visa® Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/desjardins-odyssey-gold-visa, updated June 7, 2026.

Never miss a great card offer

Get the best new welcome bonuses and rewards news for Canadians, straight to your inbox. No spam — unsubscribe anytime.